Krumholz Consulting
Financial & Operations Advisory
Krumholz Consulting's Financial & Operations Advisory practice gives growing businesses in the US and México the financial clarity and operational discipline that usually only comes with a full-time CFO — without the full-time cost.
You don't have real-time visibility into cash flow — you find out you have a problem after it's already one.
The budget was built once, in January, and hasn't been touched since.
Finance and operations are making decisions from two different sets of numbers.
You're making six-figure calls on gut feel because the reporting doesn't tell you what you need to know.
A full-time CFO is more than you need right now — but "no CFO" is starting to cost you more than one would.
You operate across the US and México and need financial guidance that actually understands both sides.
This isn't a bookkeeping problem. It's a leadership gap — and it's exactly where a fractional CFO/COO earns their seat at the table.
We get you real visibility — clean reporting, accurate budgets, and a clear read on where the business actually stands today.
We build the financial and operational discipline that turns growth into profit — budgeting, forecasting, and process that hold up as you scale.
Whether the goal is a sale, a succession, or simply running the business without you in every decision, we build toward the outcome you actually want.
Senior financial and operational leadership on a fractional basis — the strategy and oversight of a CFO/COO without a full-time salary.
Real-time visibility into what's actually coming in and going out, so decisions are made on facts, not assumptions.
Budgets built to be used, not filed away — reviewed and adjusted as the business changes.
Forward-looking models that show the impact of a decision before you make it, not after.
In partnership with Krumholz Consulting's Joint Practice — when the financial strategy is clear, we build the systems that run it.
You're growing revenue but can't get a straight answer on where the profit is going.
You need CFO-level thinking but aren't ready for a full-time CFO salary.
You operate on both sides of the US–México border and need an advisor who does too.
You're preparing for a major decision — a raise, a sale, an expansion — and want the numbers airtight first.
Your budget exists on paper but nobody actually manages against it.
You want a trusted advisor in your corner, not a vendor trying to sell you the next tool.
Ricardo Krumholz leads Krumholz Consulting's Financial & Operations Advisory practice, working with business owners across the United States and México on budgeting, cash flow, and the financial discipline that turns growth into a sustainable business.
His approach is advisory, not operational: he tells you what the numbers say and what to do about it, in plain language — you and your team stay in control of the business.
Based in San Diego. Works remotely with clients across the US and México. Bilingual in English and Spanish.
No pitch, no pressure — just a straight conversation about where things stand and whether a fractional CFO/COO makes sense for your business right now.